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Why do credit card forms ask for Visa, Mastercard, etc.?

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Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#71

Post by pbreit »

joevandyk wrote: post #20
pbreit wrote: post #13

Earlier quoted context omitted.

Well, then you'd need to ask for their email or phone which I've never seen.

most online purchases ask for the person's email address. Also, you've never shopped at Amazon? They ask for the phone number for the billing address. https://www.monosnap.com/image/4QZmCDNdlsqei8BLIsjw6Z3q00tml...

I was referring to when merchants ask for the name on your credit card. I can't recall that ever being accompanied by email or phone. Here's Amazon's form: http://imgur.com/Azd1VKZ

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#72

Post by yummyfajitas »

bigd wrote: post #63
kevinconroy wrote: post #29

Earlier quoted context omitted.

No, there are no such provisions. The card companies have their own fraud prevention/detection departments which mine transactions and look for abnormal behavior. If they spot something out of the ordinary (big purchase, foreign purchase, etc) then they will call you to validate.

Which is why, every time I travel, I end up with all the cards blocked. I hate you visa.

Call before you go and tell them you are traveling.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#73

Post by sjwright »

sleepyhead wrote: post #59
aestra wrote: post #53

Earlier quoted context omitted.

>Heads up: If you're in (say) Europe or UK, then American Express and Discover aren't a "big card issuer" Do you only have Visa and Mastercard then?

Yes. And local bank debit cards usually combined on the VISA card, in Norway there is BankAxept, Dankort in Denmark and something else Germany can't remember. The fees for these transactions are next to nothing compared to Visa/MC here in Norway. But very rarely accepted online (unfortunately).

This is similar in Australia and New Zealand as well. Visa and MasterCard are extremely common, AMEX is sometimes offered with fancy accounts (usually as a second card), and Discover is all but unheard of.

We have a checking account payment system called EFTPOS which has near universal acceptance, and can be combined on the same card as a Visa/MC/AMEX.

Contactless payment (PayWave and PayPass) is rapidly becoming commonplace among retailers, and can be used for transactions up to AU$100.

http://en.wikipedia.org/wiki/Debit_card#Australia

Australia plans to deprecate the use of signature verification for domestic credit cards later this year, requiring Chip+PIN for all cards issued by Australian banks. Signatures will still be accepted for foreign cards, because tourists.

http://www.lifehacker.com.au/2014/01/credit-card-pin-number-...

Visa Debit is available and works, but doesn't really have any domestic advantages over EFTPOS. Maestro and PLUS aren't brands Australians generally interact with, except when traveling.

Frustratingly, Australian Chip+PIN cards don't seem to travel overseas well -- in ATMs they work fine (with fees galore) but in retail, the terminal often insists on a signature instead of a PIN.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#74

Post by nandemo »

michaelt wrote: post #19
pbreit wrote: post #7

Earlier quoted context omitted.

Checks are typically very simple, no regex-ing involved. First, names are not really checked. For addresses, usually only the number (and sometimes just first three digits) are checked as well as the zip. Generally the processor tries to decline as few txns as possible and instead deliver the information to the merchant to make a decision. The merchant can usually pre-configure error codes that it would like the proc…

Can I piggyback on this and ask an unrelated question I'm curious about? Let's say an online merchant gets a transaction they very strongly suspect is a stolen credit card (perhaps it's from a customer with a long history of using stolen cards) but it validates just fine. Is there any provision in the interface for merchants to ask the credit card company to perform extra fraud checks, like calling the cardholder?

Some processors return a numeric risk score, or a ternary result (OK,Review,Denied). Then the merchant might choose to review the transaction if the risk score is above a certain threshold (or the result is Review), then cancel or capture it accordingly.

For example, merchant's staff calls the shopper. This adds some cost, but for some merchants it might save money overall since chargebacks can be very costly (even if the merchant manages to challenge and win).

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#75

Post by notatoad »

wcfields wrote: post #2

Could someone who deals with PCI compliance please explain some other nuances of credit cards that I've been curious about: * Fault/Decline Codes returned from processors like CyberSource. How are these factored? How do processors do Regex on names/addresses? [1][2] * CVV numbers and what they mean/how they are treated in the system? If CVV number is included does this increase chargeback protection? * How CHIP cards…

Collecting a CVV2 code doesn't increase your chargeback protection (for merchants, there is essentially no chargeback protection. if a customer wants to issue a chargeback, you'll get a chargeback). What it does is reduce your risk profile, which is part of how your processing fees are collected. If you don't collect the CVV2 you're going to have a much higher risk profile, and will either pay a higher processing fee or else be denied the ability to process cards at all.

Chips are the same thing - it reduces the fraud risk, thus reducing your processing fees. the carbon imprint is just like a chip - physical proof that the card was present during the transaction. card-present environment is a much lower risk profile than card not present environment, the difference between the two is often a full percentage point in processing fee.

The address verification is not a regex, it's just a simple lookup. Most merchants don't actually do address verification though because it is fairly expensive.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#76

Post by robotcookies »

Might also be that some people will try to enter an amex or discover card number if you don't do this. Even if you state that only visa or mc can be used, people don't always read it. Having to select an option is how you can be sure that they are aware of it. Kind of like having to check off the "I agree to the terms" checkbox.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#77

Post by Daniel_Newby »

yummyfajitas wrote: post #72
bigd wrote: post #63

Earlier quoted context omitted.

Which is why, every time I travel, I end up with all the cards blocked. I hate you visa.

Call before you go and tell them you are traveling.

Somewhere I read that such a call triggers a fraud red alert.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#78

Post by dylz »

joshaidan wrote: post #52
wcfields wrote: post #2

Could someone who deals with PCI compliance please explain some other nuances of credit cards that I've been curious about: * Fault/Decline Codes returned from processors like CyberSource. How are these factored? How do processors do Regex on names/addresses? [1][2] * CVV numbers and what they mean/how they are treated in the system? If CVV number is included does this increase chargeback protection? * How CHIP cards…

The story behind the CVV is something like this: CVV is also known as card not present number. Historically it was printed on the back of the card, or on the front using unraised type. This way, if an impression of a credit card was taken (using one of those old fashion swipe back and forth machines), the CVV number would not be included in the impression. This provided some protection for card owners, as it prevente…

I'm confused, how does this work? There is no raised type on any of my cards whatsoever, how do you take an impression of a flat card?

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#79

Post by danieltillett »

danudey wrote: post #45
jonnathanson wrote: post #42

It's certainly not necessary, but my guess is that it follows from the "Don't Make Me Think" school of UX design. If a majority of consumers have been conditioned to expect a credit-card-selection menu (or series of clickable icons), then the absence of such might confuse them and cause measurable drop-offs in the purchase completion funnel. It seems a little farfetched, but I'm sure at least someone has done the tes…

I worked for a company which sold goods online and ran their own shopping cart. We took out the 'card type' drop down and just auto detected it. We had a bunch of greyed-out logos and once you entered a valid credit card number it would light up whichever card type it was (Visa, Mastercard, Discover, Amex). What we found was a huge increase in people typing 'Visa' or 'Mastercard' into the 'Name on the card' field (wh…

We do a similar thing here in Australia with states and postcodes. Except for a couple of unusual postcodes the state can be predicted with a 100% accuracy from the postcode. We found that if we didn't include the ability for the customer to select a state then they would do silly things like put the state in the street address or even their own names. We added a functionless state dropdown and these errors stopped.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#80

Post by stephenr »

Daniel_Newby wrote: post #77
yummyfajitas wrote: post #72

Earlier quoted context omitted.

Call before you go and tell them you are traveling.

Somewhere I read that such a call triggers a fraud red alert.

I read somewhere that masturbating makes you go blind too.

I use an AU Visa card all over the place. Once it was blocked (after a purchase) because I charged $1200 in a bangkok furniture shop.

One call to the bank and it was useable again, and they knew I spend a lot of time in thailand so it's not automatically "suspicious" behaviour.

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